Mr. Paul Joyce:

Let me give a brief example. If tomorrow morning I wanted to log on to the Central Bank's website because I want to apply for a personal loan and I want to choose between the terms offered by different lenders, there is no one place that I can go to find out what default interest rate bank A charges on personal loans as opposed to another bank or what kind of charge is made for direct debits missed and so on between bank A and that bank. The reason that information is not there is ostensibly because of confidentiality. That is not confidential information. That information should be in the public domain to enable people who are availing of financial services to make a choice between one provider and another.